Flex Loans Online

» Up to $5000 Loan

» Available for bad credit

» Fast, Easy and Flexible

3 Steps Loan Process:

  1. Fill out a form, your inquiry will be submitted to our lenders. You can have a response from one of our lenders within minutes.
  2. You will be redirected to the lender’s website where you can review the terms of the loan, including details about all the applicable rates and fees.
  3. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next day.

Bad credit short-term loans

Worried that your financial records might prevent you from getting help when you need it? do not. Short-term loans with bad credit are definitely available. Short-term loans are also very useful for people with good reputation and no credit. Bankruptcy may not even disqualify you.

Flex Loans Online

Short-term personal loans with bad credit

An informed borrower is a better borrower. For this reason, potential borrowers should understand what they can use. Generally, the allocation of short-term loans that direct borrowers work with Flex Loans Online to provide financing to our customers will vary, depending on the needs of the borrower and the amount requested.

For smaller amounts, such as up to 500 dollar, direct lenders working with us may provide shorter-term requests for payday loans or cash advances, even if credit is poor.

Larger amounts (such as 1000 dollar or more) and longer maturities usually provide short-term installment loans, or even long-term installment loans.

However, unlike bank loans that assess interest rates, the borrowing fee is usually a flat fee for every $100 borrowed. For every $100 of principal, the cost of a small loan is between $15 and $40. Larger loans bring lower loan fees. However, please prepare a fee for a minimum of $100 per $15; because direct lenders usually have to charge high fees to make the loan a viable business decision.

The approval decision is usually much faster than the bank loan decision-the decision is usually made within 1-2 working days, and the funds can be directly deposited into the borrower’s bank account for wire transfer.

Responsible borrowers are the best borrowers

The best borrowers for short-term loans, personal loans, installment loans, or any kind of any loan are those who only borrow from those who can afford to repay. You should not be responsible for the obligations you cannot afford. Please borrow responsibly.

Financial Responsibility

Short-term loans or installment loans in Flex Loans Online’s lender network are not long-term solutions, but solutions to temporary problems. If you often encounter financial difficulties, you should seek the advice of a qualified professional financial adviser and follow their advice to restore your financial situation. Flex Loans Online wants you (the borrower) to make the best decision for yourself.

Collection convention:

Flex Loans Online hopes that borrowers can only borrow funds that they know can be repaid. However, if a default occurs, the lender of the loan will first try an internal solution. Usually, they will try to contact the borrower over the phone and find an arrangement that reflects the borrower’s ability to repay, in order to find a solution that satisfies both parties. If the loan is still not paid off, you can borrow a third party because the loan was lent in good faith.


When expressed in terms of annual interest rates, the annual interest rate of some loans may seem high. For example, in two weeks, the interest rate of $15 for every $100 loaned is equal to 547.5% APR, and the interest rate of $40 for every $100 loaned in the same period is equal to an APR of 999.45%. However, every $15 of borrowing of $15 will also increase the simple interest by 15%, rather than on an annual basis. In contrast, for a $100 check, the return of the $32 check fee would generate an annual interest rate of 2336%.

Credit impact:

Yes, it is indeed possible to provide short-term loans to holders of bad credit scores. Your credit score may not affect the lender’s decision at all, including whether you are bankrupt. However, the lenders with whom Flex Loans Online works to find loans that suit your needs can decide on their own to ask the three major credit rating agencies Equifax, Experian and Transunion for the borrower’s score. Although these institutions may have their own internal approval standards, such as the borrower’s ability to repay and income level, the credit score of these institutions is entirely dependent on the lender’s decision. The lender can also submit information to these institutions such as borrower lender requests or payment history with related lenders or other lenders.

Make your own decision

Decide the short-term loan decision completely online, you should make the best decision for yourself. The burden of borrowing and repaying the loan responsibly falls on your shoulders, so ask for the repayable amount. However, if you feel that a short-term loan is suitable for you, please apply now!

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